The holiday season is here and households in North Dakota and elsewhere might encounter sensitive conversations about lending money to a loved one in need.

There is emerging research about removing stigma and embracing mutual financial support. Higher housing costs, student loan debt and other factors have forced more generations of U.S. families to live under the same roof.

Jeffrey Anvari-Clark, assistant professor of social work at the University of North Dakota, said there is still a narrative about “rugged individualism” and it can be taboo to ask for help in covering expenses. He argued families need to feel comfortable in having these talks.

“There is a balance, I think, between having good independence and taking care of yourself,” Anvari-Clark pointed out. “But there does also come a time when you need to receive help from others. “

Anvari-Clark has led research on the topic of “financial interdependence,” noting it looks different for each family, as well as many cultures around the world. In America, he said, financial literacy should stress the importance of saving money to help others in your life and not just building your own nest egg. He acknowledged the need to set clear boundaries because too much support can strain these relationships.

Anvari-Clark said another hurdle to overcome is not letting the person asking for help to carry a lot of shame for past financial mistakes. He sees it as a learning opportunity.

“I’m taking this sense of regret and I’m doing something positive with it to improve my chances moving forward,” Anvari-Clark explained.

GoFundMe campaigns are a popular way for people to raise money for someone in a bind. But Anvari-Clark added it does not just have to be a financial donation. At the community level, he sees households buying groceries in bulk to save money or getting creative with child care needs, as ways to embrace this mindset of mutual assistance.